3 independent mortgage advisors serving Castleknock, fingal. Compare local specialists for first-time buyers, movers, and switchers.
8 Phoenix Court, Castleknock, Dublin 15
Smart Mortgages in Castleknock brings a detail-oriented approach to residential and first-time buyer mortgages, with particular expertise advising self-employed applicants in west Dublin.
Castlecourt, Castleknock, Dublin 15
Flynn Financial is a long-established Castleknock mortgage broker — part of the Flynn & Associates group founded in 1972 — offering first-time buyer, trading-up, and remortgage advice alongside life, pensions, and investment services.
8 Sycamore Drive, Castleknock, Dublin 15, D15 C9KN
Joe Pitcher Financial Services is a long-established Castleknock mortgage and financial broker run by QFA Joe Pitcher, an ex-PTSB branch manager with 40+ years' experience advising Dublin 15 clients on mortgages, life cover, and pensions.
Mortgage brokers in Ireland are typically paid a commission by the lender once a mortgage drawdown completes, so there is usually no direct cost to the borrower. Commission is generally 1% of the loan amount, split between an upfront payment and an ongoing trail commission while the mortgage remains active. Brokers are regulated by the Central Bank of Ireland and must disclose their fee structure and any commission arrangements in writing before you sign an agreement. Some brokers charge an additional advice fee for complex cases such as self-employed or buy-to-let applications; always ask for a written statement of charges before engaging a broker.
Yes. Mortgage brokers in Ireland are authorised and regulated by the Central Bank of Ireland as mortgage credit intermediaries under the European Union (Consumer Mortgage Credit Agreements) Regulations 2016. You can verify any firm's authorisation on the Central Bank of Ireland's public register at registers.centralbank.ie. Brokers are also bound by the Consumer Protection Code, which requires them to act in your best interest, provide a Statement of Suitability explaining why a recommended product suits you, and clearly disclose any commission they receive. The Competition and Consumer Protection Commission (CCPC) also publishes comparison information for consumers.
A mortgage broker is an independent intermediary who can compare offers from multiple lenders on your behalf, while a bank only offers its own products. A typical Dublin broker has a panel of six to ten lenders, including pillar banks (AIB, Bank of Ireland, PTSB), challenger lenders (Avant Money, Finance Ireland, ICS Mortgages), and sometimes credit unions. Going directly to a single bank limits you to that bank's rates and criteria. A broker can identify which lender is most likely to approve your application and offer the best rate for your circumstances, and will handle most of the paperwork on your behalf.
Most Dublin mortgage brokers work with a panel of six to ten lenders, though the exact number varies. A typical panel includes the three pillar banks (AIB, Bank of Ireland, PTSB), at least two challenger or non-bank lenders (for example Avant Money, Finance Ireland, ICS Mortgages, Dilosk/MoCo, or Nua Money), and sometimes Haven (part of AIB Group) or EBS. Not every broker is appointed to every lender. Ask your broker for their current panel in writing — under Central Bank of Ireland rules, they must disclose which lenders they are appointed with and how they are remunerated.
